Health insurance in Horgen: what you need to know
Horgen stretches along the left shore of Lake Zürich, where the hills slope gently down to the water. Once a town built on silk and textiles, it is today a lively lakeside community with views across the lake to the Glarus Alps.
Switzerland divides every canton into price zones — based on how high an area's healthcare costs are. Horgen (ZIP 8810) is in zone 2 of the Canton of Zurich. Zone 1 is mostly the cities and the most expensive; zones 2 and 3 are cheaper. Your insurer may charge different premiums depending on the zone.
The Canton of Zurich is divided into 3 price zones. The gap between the most expensive and cheapest zone can reach CHF 30–80 per month — worth keeping in mind when you compare.
How much does health insurance cost in Horgen?
Current mandatory health insurance (KVG) premiums for Horgen (2026), based on the federal government's official rates. For identical benefits, the gap between cheapest and most expensive provider is substantial:
Cheapest premium
CHF 468 /month
Agrisano
Most expensive premium
CHF 638 /month
27 insurers compared
Savings potential per year
CHF 2'038 /year
Premiums in Horgen are about the Swiss average. Since basic insurance offers the same benefits with every provider, the provider alone determines your cost.
Premium by age group
Children and young adults pay significantly less. Cheapest monthly premium per age group (children without deductible, otherwise CHF 300 deductible):
| Age group | from CHF/month | Insurer |
|---|---|---|
| Kind (0–18) | CHF 103 | Agrisano |
| Junge Erwachsene (19–25) | CHF 342 | Agrisano |
| Erwachsene (ab 26) | CHF 468 | Agrisano |
Premium by deductible
The higher the deductible (your annual excess), the lower the premium. Cheapest monthly premium per level for adults:
| Deductible | from CHF/month |
|---|---|
| CHF 300 | CHF 468 |
| CHF 500 | CHF 458 |
| CHF 1'000 | CHF 433 |
| CHF 1'500 | CHF 406 |
| CHF 2'000 | CHF 377 |
| CHF 2'500 | CHF 347 |
Premium by insurance model
Alternative models lower the premium: with the family-doctor model you see your GP first, with Telmed you call first, with HMO you go to a health centre. Typical yearly saving versus free choice of doctor:
| Model | from CHF/month | typically saves |
|---|---|---|
| Standard (Freie Arztwahl) | CHF 536 | — |
| Hausarztmodell | CHF 479 | CHF 816/year |
| HMO | CHF 476 | CHF 913/year |
| Telmed | CHF 468 | CHF 914/year |
The cheapest health insurers
The five cheapest providers for the standard profile — benefits are legally identical everywhere:
| # | Insurer | Model | from CHF/month |
|---|---|---|---|
| 1 | Agrisano | Telmed | CHF 468 |
| 2 | Atupri Gesundheitsversicherung AG | HMO | CHF 476 |
| 3 | SLKK | Hausarztmodell | CHF 479 |
| 4 | CSS | Hausarztmodell | CHF 485 |
| 5 | Sanitas | Telmed | CHF 488 |
Note: An environmental levy refund (CO₂ and VOC redistribution) of CHF 5.15 per month is credited on every premium — so the effective cost is around CHF 62 per year lower. It applies equally to all insurers and does not change the comparison.
Profile: adult, CHF 300 deductible, with accident coverage, standard models. KVG benefits are legally identical across all providers — only the price differs.
Data source: FOPH / priminfo.admin.ch 2026
Commuting to Zurich? You still pay less. Lots of people from Horgen work in the city of Zurich — Horgen sits on the left bank of Lake Zurich, about 15 km south, well connected by suburban rail and even by boat in summer. But for your premium, only where you live counts, not where you work. And Horgen is in premium region 2, cheaper than the city of Zurich (region 1). So you commute into the pricier zone every day and still pay the lower premium.
Care close to home. Horgen has been the capital of its district since 1831, with around 24,000 residents. The See-Spital, with its site right in Horgen, is the regional anchor for the left bank of the lake — so for everyday care you don't have to go far.
Hospital coverage in Horgen
The mandatory basic insurance (KVG/LAMal) covers general hospital treatment in your canton of residence. Residents of Horgen have access to the following hospitals:
- Universitätsspital Zürich (USZ)
- Stadtspital Zürich
- Kantonsspital Winterthur
If you want free hospital choice or a private/semi-private room, you need a supplementary hospital insurance (VVG/LCA). In our VVG comparison.
How to switch health insurance in Horgen
- Start the comparison in the Findbetter wizard — enter ZIP 8810, age, and preferred model.
- Review the top offers and pick the best insurer.
- We auto-generate the application form. You sign digitally and we forward it FINMA-compliant via our partner Northlake Partners.
- If needed: we cancel your old insurer via registered letter — in time before November 30.
- From January 1, 2027, everything runs with your new insurer. You'll receive your new insurance card by post in December.
Full step-by-step guide → KVG switch 2027 guide
Frequently asked questions from Horgen
Which health insurance is cheapest in Horgen?+
Which price zone is Horgen in?+
By when do I need to cancel my health insurance in Horgen?+
How much can I save in Horgen?+
Sources & legal basis
The information on this page is based on official Swiss sources. Premium data comes from the federal government's official premium calculator.
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